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Article ID: 319293 - Last Review: February 27, 2014 - Revision: 7.1

This article was previously published under Q319293
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SYMPTOMS

When you try to submit an electronic payment (Epay) by using Microsoft Money, you may receive an error message that is similar to the following:
Unspecified Error

Your payment was not processed for the following reasons:
Your request to pay payment of amount to payee on date was not processed due to an unknown response code.
When you try to submit an electronic transfer (Xfer) to transfer money from your credit card account to some other account at that same financial institution, you receive the following error message:
Your payment was not processed for the following reason: Unspecified error. To return to the Make an electronic payment page and make changes, click OK.

CAUSE

This issue may occur if one of the following conditions is true:
  • You have an incorrect address in the payee address information.
  • The payee name includes an ampersand (&).
  • The Address that you entered in Money is different from the address that the bank server has for your payee.
  • There is a dash in the account number for the payee.
  • The payee is damaged.
  • This problem occurs because Microsoft Money 2005 does not support transfers from credit card accounts.
    Note Money 2005 does support transfers to your credit card account.

RESOLUTION

To resolve this issue, use the method that is appropriate for your situation.
Note If you are using Money 2005 and trying to submit an electronic transfer money from your credit card account to another account, you will need to use your financial institution’s website to perform this operation as Money 2005 does not support this type of transaction.

Method 1: Correct the payee's address and resend the Epay

  1. Open the Account List.
  2. Open the account that you used to record payments to the specific payee.
  3. Click to select the Show Transaction Forms check box.
  4. Click one of the transactions that you recorded with the specific payee.
  5. Click Options, and then click Edit Address.
  6. Select whether to change your own records or the records that Money keeps for the related financial institution, and then click OK.
  7. Type the payee's address and other information, and then click OK.
  8. Resend the Epay.
If you continue to receive the error message, go to Method 2.

Method 2: Remove the ampersand or other special characters

If your payee information contains and ampersand or other special characters, this may be causing a failure in your payment submission. If your payee does not have an ampersand or other special character, proceed to method 3. To remove the ampersand or special character:
  1. Open the Payee List.
    • In Money Essentials, click Banking, click Account Tools, and then click Payees.
    • In Microsoft Money 2005 and later versions, click Banking, click Account Tools, click Categories & Payees, and then click Payees.
    • In Microsoft Money 2004 and earlier versions, click Accounts & Bills, click Categories & Payees, and then click Payees.
  2. Find the payee that contains the ampersand or other special characters, and then right-click the payee.
  3. Click Rename.
  4. Change the name of the payee so that it does not contain the ampersand or other special characters. For example, if the payee name is "Washington Power & Light", change it to "Washington Power and Light."
  5. Click OK.
  6. Resend the Epay.
If this does not resolve your issue, go to Method 3.

Method 3: Remove the dash in the account number for the payee

  1. Start Money.
  2. Open the Payee List.
    • In Microsoft Money 2005 and later versions, click Banking, click Account Tools, click Categories & Payees, and then click Payees.
    • In Microsoft Money 2004 and earlier versions, click Accounts & Bills, click Categories & Payees, and then click Payees.
  3. Find the payee that is causing the failure and click Go To Payee.
  4. Click Change Details and Payment Options.
  5. Select Online Billing Details from the drop down menu, and then click OK.
  6. Click the Address tab, and then change the account number, by removing all the dashes in the account number.
  7. If you have a Funds Transfer tab and a Payee ID tab, make sure that you change the account number on these tabs also.
  8. Click OK, and then click Done.
If these steps do not resolve the issue, your payee may be damaged. To troubleshoot this issue further, go to Method 4.

Method 4: Re-create the payee by using a slightly different name

If the payee is damaged, you may have to re-create the payee. To resolve this issue, rename the damaged payee, and then create a new payee. To do this, follow these steps:
  1. Open Money.
  2. Change the name of the damaged payee. To do this, follow these steps:
    1. Click the Banking tab.
    2. On the Account Tools menu, click Categories & Payees.
    3. In the left pane, click Payees.
    4. In the list of payees, right-click the payee that you want to rename, and then click Rename.
    5. In the Rename Payee dialog box, type the new name for the payee, and then click OK.

      For example, if the damaged payee is "MyPayee", rename it "MyPayeeOld."
  3. Create a new payee to replace the damaged payee. To do this, follow these steps:
    1. At the bottom of the list of payees, click New.
    2. In the Create New Payee dialog box, type the name of the payee that you want to create, and then click OK.
  4. Try to use the new payee to pay a bill online. To do this, follow these steps:
    1. Click the Bills tab to open the Bills Summary page.
    2. Under Common Tasks, click Make a one-time payment or transfer, and then click Make an electronic payment.
    3. Follow the instructions to make a payment to the payee that you just created. You must supply the correct account number for the payee.
  5. If your electronic bill payment is successful, rename the damaged payee by using the same name that you used in step 3b. To do this, follow these steps:
    1. Click the Banking tab.
    2. On the Account Tools menu, click Categories & Payees.
    3. In the left pane, click Payees.
    4. In the list of payees, right-click the damaged payee that you want to rename, and then click Rename.
    5. In the Rename Payee dialog box, type the new name for the payee, and then click OK.

      For example, if the corrupted payee is "MyPayeeOld", rename it "MyPayee."
    6. When you receive a message that is similar to the following, click Yes to combine the two payees:

      A payee named 'MyPayee' already exists. Would you like to change all transactions with a payee of 'MyPayeeOld' to use that payee instead?
If this does not resolve your issue, the online service settings for the computer may be damaged. This may be the issue only if Money cannot make any online payments. If the issue only involves one or two payees, the issue does not involve your online service settings.

Method 5: Disable and then re-enable online services

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APPLIES TO
  • Microsoft Money Essentials
  • Microsoft Money Plus Deluxe
  • Microsoft Money Plus Home & Business
  • Microsoft Money Plus Premium
  • Microsoft Money 2007 Deluxe
  • Microsoft Money 2007 Home & Business
  • Microsoft Money 2007 Premium
  • Microsoft Money 2006 Deluxe
  • Microsoft Money 2006 Premium
  • Microsoft Money 2006 Small Business
  • Microsoft Money 2006 Standard
  • Microsoft Money 2005 Deluxe Edition
  • Microsoft Money 2005 Premium Edition
  • Microsoft Money 2005 Small Business Edition
  • Microsoft Money 2005 Standard Edition
  • Microsoft Money 2004 Deluxe Edition
  • Microsoft Money 2004 Premium Edition
  • Microsoft Money 2004 Small Business Edition
  • Microsoft Money 2004 Standard Edition
  • Microsoft Money 2003 Deluxe Edition
  • Microsoft Money 2003 Deluxe and Business Edition
  • Microsoft Money 2003 Standard Edition
  • Microsoft Money 2003 Suite
  • Microsoft Money 2002 Business & Personal Edition
  • Microsoft Money 2002 Deluxe and Business Edition
  • Microsoft Money 2002 Deluxe Edition
  • Microsoft Money 2002 Home Banking Edition
Keywords: 
kbnosurvey kbarchive kberrmsg kbprb KB319293
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